Sponsored by the Town of Normal, Illinois
Homeownership for Low & Moderate Income Families
The Illinois Assist Program helps first-time homebuyers reduce their effective mortgage cost through a federal Mortgage Credit Certificate — a direct, yearly federal tax credit.
Process
Three steps to your credit
Simple to apply — your lender handles the paperwork at closing.
Check eligibility
Confirm your income and purchase price fall within program limits for your participating community.
Contact a lender
An approved lender applies for your MCC at closing — no extra steps required from you.
Claim yearly
Receive a federal tax credit equal to 25% of your mortgage interest each year, up to $2,000.
Explore the Program
Everything you need to get started
Learn how MCCs reduce your effective interest rate with a federal income tax credit.
Find out if your community is eligible for the Assist Mortgage Credit Certificate program.
Connect with a participating lender who can apply for your MCC at closing.